I care because we were considering some travel hacking, but we've been looking to possibly buy a house. I know the easy answer is to buy house first, travel hack second. But, we've been house hunting for 8+ years. (Looking in a very restricted area with very little inventory.) So I feel like I've wasted years of potential travel hacking because that house might be around the next corner. But I've recently become comfortable with letting a couple inquiries hit our credit reports. At 825, it should be no big deal. At 760, it's more of a concern, if that house pops up.
I know there are many different algorithms for calculating a score, and not every score is a fico, but usually the variances between various scores I can access are +/- 15 points or so.
A 65 point range is out of the ordinary based on history. Discover, Credit Karma, and Credit Sesame were are reporting in the 814-825 range over the last year. For Discover to suddenly drop to 760 seems very strange to me.
It says the key factor is: "too few accounts currently paid as agreed." He has not closed any accounts recently. He has not had any late payments ever, let alone in the last couple months. Plus, number of accounts has a relatively low impact on the score. So I'm worried that somehow there is a report of non-payment someplace on his report that really isn't his... Oh yeah, also, he and his dad have very similar names (i.e. given names are Ronny v. Ronald), and I think once some of his dad's credit info actually made it onto his report. I know, that doesn't really make sense, because it should be based on SSN and not name. But I'm pretty sure we've seen in before...
Also this is on the discover site: "According to FICO, 88% of the population experiences changes to their score by up to 20 points month to month." Based on that I'd say a drop from 825 to 769 is slightly unusual, right?!
I'm surprised nobody thinks this is weird! Really, nobody else thinks this is weird?!